The report highlights the company's record year in 2023, with net profit of € 683 million, EPS of € 8.31, a return on tangible common equity (RoTCE) of 25.0%, and a cost-income ratio (CIR) of 31.8%. The company distributed € 480 million of capital in the form of € 305 million dividends (€ 3.70 per share) and completed a € 175 million share buyback during 2023, reducing its number of shares by 5%. The report also highlights the company's strategic transformation, which has been consistent over the past decade, and its focus on growth in core markets, efficiency through operational excellence, and a safe and secure risk profile. The report also includes a discussion of the company's ESG strategy and its commitment to sustainable value creation.
